You don’t need to work longer, you just need a better plan. Schedule a consultation with this link to tailor a plan that suits your unique financial goals: https://calendly.com/charlesdzama/dzamatalk-complimentary-15-min-phone-call

“Returning to federal service? Your prior years still count—if you didn’t take a refund, you keep that service credited.”

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👋 WHO AM I?
I’m Charles Dzama, founder of CD Financial. We help federal employees understand their benefits, optimize retirement income, and make confident decisions about the future. On this channel, you’ll find clear, practical guidance on FERS, FEHB, TSP, and more.

⌚ Timestamps
0:00 – Introduction
1:05 – Charles’ morning beach routine & light banter
3:00 – Why consider returning to your federal job?
5:05 – What is a supplement annuity (for returning with 5 years)?
6:33 – What is a redetermined annuity (for 5 years rehired)?
8:11 – How pension recalculation works with example numbers
9:00 – The “rub”: Pension offset and no double-dipping rule
11:27 – Special case: “Return to Mission” (RTM) and dual waiver exceptions
12:37 – ICE agents: RTM benefits & sign‑on bonuses
14:49 – Personal story: “Susie Q” and real‑world motivations to return
20:11 – Recap: Benefits of supplement vs. redetermined annuity
20:35 – Health tip moment: Thai massage & flexibility advice

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